Re: DV question please help

Wonderin wrote:What state are you in? WHEN did you incur the Household Bank debt (when did you last pay on it)?

LVNV has a report on my CRs (two of them) stating that I owe a debt (from fricking 2000) with MCI (that I paid off YEARS ago). Needless to say, the DOFD that they're reporting is not correct. They are stating that the date of DOFD is 04. So they're obviously re-aging. Be sure that they're not doing it to YOU, too.

They can only report on the date of the final delinquency with the OC, not the date that they took the account over. Let us know what state you're in, and when you went delinquent with the OC, in case that is the situation with you ... if you're out of SoL with the original debt, they cannot win against you as you'd have a "permissible defense" against the suit.

You'd still have to go to court, of course. That would be where you'd present your permissible defense of the SoL on the debt being expired. Or you could even send them a letter stating that you are out of SoL and they're SOL (and I don't mean "statute of limitations!).

The OP made a payment in May, which I am almost certain reset SOL, unless their state has a law that doesn't reset it.

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